The NPP uses ISO 20022 messaging schema, a global interoperable standard messaging format used for electronic data interchange. ISO 20022 has the ability to convey significantly more data than most other messaging formats. Read more about the NPP message capabilities here.
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Osko by BPAY is an overlay service developed for use on the NPP. Launched in February 2018, its first iteration enables real-time peer-to-peer payments via the user’s regular internet or mobile banking service. It also enables users to include up to 280 characters to describe their payments, including emojis!
To read more about Osko, visit www.osko.com.au